it is still a drag and not a source of strength for the economy and they do a better job of lending. there could be things they have done differently and it would have been nice if there was openness. >> let me back into this. >> how big a company is this? >> $1.2 trillion. they have -- >> and the former treasury secretary under clinton. you say he brought tim geithner he new treasury, out of tne ne york fed. you write, 'tim played a staff role, and had been the mechanic of the bailout programs. hank and ben treated him like staff. he had been elevated for all the wrong reasons and had every expectation tim would continue his citigroup friendly policy." did he continue the citigroup friendly policy and did they make out better with him as secretary? >> there is no question. the government was quite generous. just about every mistake in the book -- >> bob rubin was worth millions and never punished in any way. >> i don't get it. he shows up in conferences and in -- i can tell he never real ly accepted responsibility for any of this. he helped create the beast and he was secretary of t